Market Overview
Home Prices in Oyster Creek, TX
The median home value in Oyster Creek, TX is $188,474 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.2% compared to a year ago and down 5.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Oyster Creek are priced54% below average. Oyster Creek is part of the Houston-The Woodlands-Sugar Land, TX metro area.
Over the past five years, Oyster Creek home values have fallen by approximately5.7%, reflecting softening conditions in this market.
Price History
Oyster Creek Home Price Trend
City Comparison
Oyster Creek vs. National Median
At $188,474, homes in Oyster Creek cost 54% below the national median of $410,000. This makes Oyster Creek a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Oyster Creek?
20% Down Payment
$37,695
on $188,474
Monthly P&I
$983/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,248/mo
incl. taxes & insurance
Income Needed
$49,920
gross annual (30% rule)
10% Down Option
$18,847
+ PMI applies
Loan Amount (20% dn)
$150,779
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Oyster Creek, TX?
The median home value in Oyster Creek is $188,474 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.2% year-over-year.
How much have home prices changed in Oyster Creek?
Over the past year, home values in Oyster Creek have decreased by 1.2%. Over five years, prices have fallen approximately 5.7%.
How much do I need to earn to buy a home in Oyster Creek?
To comfortably afford the median home price of $188,474 with a 20% down payment ($37,695) at today's rates (6.8%), you'd need a gross annual income of approximately $49,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Oyster Creek compare to the national average home price?
The national median home value is approximately $410,000. At $188,474, homes in Oyster Creek are 54% below the national average.
What metro area is Oyster Creek part of?
Oyster Creek is part of the Houston-The Woodlands-Sugar Land, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.